Enforcement case record
Westlake SCRA Settlements: Repossessions, Then Rate-Cap Backdating
- Defendant
- Westlake Services, LLC and Wilshire Commercial Capital
- Year
- 2022
- Scale
- 70 vehicles in the original case
- Statute
- 50 U.S.C. § 3937
- Court
- C.D. Cal.
- Outcome
- Settlement addendum (September 27, 2022): $185,460 to 250 servicemembers who were not backdated or who waited more than 60 days, an additional $40,000 civil penalty, and revised SCRA policies, procedures, and training.
What happened
The original 2017 complaint alleged that from 2011 to 2016, Westlake Services and its subsidiary Wilshire Commercial Capital repossessed 70 vehicles owned by protected servicemembers without first obtaining court orders, violating Sections 3952 and 3953.
On September 27, 2022 the parties entered an addendum to that settlement addressing separate allegations that Westlake had also violated Section 3937 by failing to provide qualified servicemembers with interest rate benefits for the entire period the SCRA requires, and by improperly delaying approval of interest rate requests.
The two-stage shape is the point. The repossession conduct and the rate-cap conduct were different failures at the same company, found at different times.
The law behind this: 50 U.S.C. § 3937
Maximum rate of interest on debts incurred before military service: read the statute.
Who was covered
Servicemembers whose vehicles Westlake or Wilshire repossessed without a court order in the covered period, and separately, servicemembers whose 6 percent rate requests were delayed or applied for too short a period.
What the settlement paid
- $700,000 in compensation to the servicemembers whose cars were illegally repossessed under the original settlement.
- Credit repair for all affected servicemembers, a $60,788 civil penalty, and new SCRA policies and procedures.
- The 2022 addendum addressed the separate rate-cap allegations.
Why this case matters
A settlement is not a clean bill of health. A company that has already signed a consent order over one SCRA section can still be shorting servicemembers under another, which is what the 2022 addendum found.
If you think you were affected
Rate-cap shortfalls are usually still fixable on a live account, because the 6% cap is retroactive to the first day of service once you send qualifying orders.
This page is a record of a public enforcement action against Westlake Services. It is not a claim form, and this site cannot tell you whether you are in the covered group. These are the routes that can.
- Read the Justice Department’s own record: DOJ case page: United States v. Westlake Services, LLC (C.D. Cal.) . Settlement administration and any claim process are run from there, never from here.
- Start with how to request the 6% cap and get it backdated , which is the protection this case was brought under.
- Contact your nearest Armed Forces Legal Assistance office. It is free for servicemembers and dependents, and it is the right first call on any SCRA question about your own accounts. Our guide to SCRA legal help explains the options.
- Confirm your covered dates before you argue about them. The Defense Manpower Data Center issues a free military status certificate; our walkthrough shows how to pull one.
Current SCRA policy and contact details for this company: our Westlake Services SCRA guide .
Other rate cap cases
Every figure on this page is transcribed from the Justice Department record linked above, including its own hedges. Nothing is estimated or rounded. The ledger was last checked in full on July 11, 2026.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.